转让价超52亿元！中原资产接盘河南3家农商行不良资产

Group 1 - The local asset management company (AMC) in Henan has acquired non-performing assets from three rural commercial banks for a total transfer price exceeding 5.2 billion yuan [1][2] - In 2024, the regulatory policies are focused on guiding AMCs to participate in risk resolution for small and medium financial institutions, highlighting the growing importance and business potential of local AMCs [1][4] - As of the end of Q3 2025, the non-performing loan balance of commercial banks in China reached 35,224.78 billion yuan, an increase of 2,432.85 billion yuan from the beginning of the year, with a non-performing loan ratio of 1.52%, up by 0.02 percentage points [1] Group 2 - Zhongyuan Asset Management Co., Ltd. has signed agreements to acquire non-performing assets from three banks, with transfer prices of 2.21 billion yuan, 1.56 billion yuan, and 1.50 billion yuan respectively [2] - In addition to recent acquisitions, Zhongyuan Asset has previously signed agreements for non-performing asset acquisitions totaling 1.947 billion yuan and 1.72 billion yuan [2] - The average discount rates for non-performing asset transfers are generally below 10% for batch personal business, below 45% for single corporate business, and below 25% for batch corporate business [3] Group 3 - Zhongyuan Asset is a provincial-level local AMC in Henan with a registered capital of 13 billion yuan, focusing on preventing and resolving financial risks while supporting the development of the real economy [3] - Henan Asset Management Co., Ltd. has also participated in risk resolution for local small and medium financial institutions, acquiring non-performing assets from two banks for 1.666 billion yuan and 1.456 billion yuan [3] - The AMC industry is capital-intensive, requiring significant funds for acquiring non-performing assets, with long repayment cycles for subsequent recovery and disposal [5] Group 4 - The banking industry in China has disposed of over 3 trillion yuan in non-performing assets in recent years, maintaining a stable overall non-performing loan ratio [5] - The financial regulatory authority has emphasized the need for banks to increase their efforts in disposing of non-performing assets, with a total disposal amount exceeding 3 trillion yuan in 2024 [4][5] - The bond market has become an important financing channel for local AMCs, with a noticeable increase in net financing due to declining interest rates in 2024 [5]